Networked Insurance Personal Lines

1. Networked Insurance Personal Lines Networked gives you the tools you need to make your Personal Lines business grow! Networked Insurance Agents

2. Networked Insurance Agents Experienced/Customer Focused Staff!

3. Networked Insurance Agents Personal Lines Management • Scott Smith – Personal Lines Manager 530-274-6981 Scott.smith@networkedins.com • Gina Bajone -Personal Lines Senior Underwriter/Team Leader 530-274-6923 gina.bajone @networkedins.com

4. Networked Insurance Agents Personal Lines Underwriters Jeanine Haring (530) 477-3938 jeanine.haring@networkedins.com Handles: TSVPs Larry Oslie & TSVP Rocco DeMateis Sara Zahm (530)274-6927 Sara.zahm@netwrokedins.com Handles: TSVPs Cheryl Hicks,Greg Acuna, and Tony McIntosh

5. Networked Insurance Agents Personal Lines Underwriters Gina Bajone (530) 274-6923 Handles: TSVP Jeanette Riley Ashley Hearing (530) 477-3905 ashley.hearing@networkedins.com Handles: TSVP Apinya Nguy

6. Networked Insurance Agents Personal Lines CSR’s Trista Dutcher (530) 274-6915 Trista.dutcher@networkedins.com Handles: TSVPS Cheryl Hicks, Tony McIntosh, and Larry Oslie Lisa Lines (530) 274-6970 lisalines@networkedins.com Handles: TSVP Jeannette Riley

7. Networked Insurance Agents Personal Lines CSR’s Allison Coulston (530) 274-6909 allison.coulston@networkedins.com Handles: TSVP Apinya Nguy Jackie Atkinson (530) 274-6985 Jackie.atkinson@networkedins.com Handles: TSVP Greg Arca

8. Networked Insurance Agents Personal Lines CSR’s Amber Stone (530) 274-6978 amber.stone@networkedins.com Handles: TSVP Rocco DeMateis

9. Networked Insurance Agents Personal Lines Tech’s Michelle Daily (530) 477-3965 plapps@networkedins.com Handles all pre-approval CLUE, MVR and mapping requests

10. Chubb Encompass First American Hartford Safeco *Package only Kemper Travelers Clarendon/Balboa Fireman’s Fund AIG Private Client* Networked Insurance Agents NETWORKED MARKETS - We give you access toname brand, customer recognized, competitively priced Carriers!Property

11. Networked Insurance Agents What can these Carriers do for you? • Do your clients need a quality/competitively priced HO3, HO4, HO6? Networked recommends: • Travelers • First American • Encompass • Hartford • Kemper • Do you have a “High End” home you need to place? Networked recommends: • Chubb • Fireman’s Fund • AIG • How about homes with multiple losses? Networked recommends: • Balboa • Foremost * (anticipated release 12/05!) • Stand alone DP3’s? Networked recommends: • Travelers • Balboa • First American

12. Encompass Hartford Kemper Travelers Chubb* Fireman’s Fund Safeco Minimum pref. limits 50/100/50,000 * Need supporting home Non-Standard Commerce West AIG* Networked Insurance Agents How About Auto?Once again, Networked has access to Name Brand customer recognized, competitively priced Carriers

13. Networked Insurance Agents What other tools does Networked Personal Lines have in it’s tool box that will help me be successful? • Mobile Home/Manufactured Home/Modular Home – Foremost • Stand Alone Excess –RLI • Stand Alone in Home Business – RLI • Stand Alone Earthquake – Geo Vera, Pacific Select, Royal Sun Alliance • Stand Alone Motorcycles – Foremost, Safeco • Stand Alone Watercraft – Travelers, Chubb, Foremost, Safeco

14. Networked Insurance Agents So, tell me more… …I Like what I see!

15. Package Policies preferred A Package consists of the Auto & Primary Home (Homeowners, Condo Owners or Renters) Package policies can also include Boat, Dwelling Fire, Motorcycle, Recreational Vehicles, Motor Homes and Excess Liability All lines of business on one policy, one bill, one deductible, one installment fee. Offers three levels of coverage: Special, Deluxe & Elite. Aggregate Property Limits. Will entertain family risks including youthful operators. **Lower commission paid on the vehicle the youthful is assigned to. Credit for existing insurance. Package discount is 12% off the home and 15% off the auto Networked Insurance Agents Encompass Insurance Co

16. Networked Insurance Agents Encompass Sales Tips • Credit for existing insurance – Write the home or auto with current effective date and the remaining line with a future effective date (must be submitted at the same time). • Underwriting is once and done: The package is underwritten at the time it is submitted and not again when the second policy is effective. • Gaps are covered: If the client has a claim that exceeds their primary policy prior to the Encompass policy taking effect, Encompass will cover the difference. (If a covered peril) • Locked in rates: If the rates change before the second policy is effective the insured will continue to get the rate that was quoted. • Package discount is applied.

17. Currently writing Auto, HO3, HO4, HO6 and Dwelling Fire with supporting Home. Discounts: Superior Driver 15%, Account Credit Auto 10% Home 15%. New Home Discount up to 33% Domestic Partner Discount - married rate for couples in committed relationship or single parent with custody of children. Must meet CA Good Driver to qualify (including youthful operators). Automatic Replacement Cost Protection for cars under 1 year old with less than 15,000 miles included with Comp and Collision. $10,000 Accidental Death Benefit included H5A Endorsement includes: Replacement Cost Contents and Dwelling (150%), Theft of jewelry or watches $2,500/$1,000 per item limit and more. 30% surcharge for first loss, 50% surcharge for second loss Networked Insurance Agents Hartford Insurance Company

18. Offers package policies – Home, Auto, PA & Umbrella on one policy, one bill. Aggregate Property Limits on Package Plus Extended Replacement Cost Coverage (automatically included) provides 150% of the blanket limit, not just Coverage A Parked Auto Collision: Waives insured’s collision deductible in the event that the insured’s vehicle is hit while legally parked. Kemper Total: Includes Auto Loan/Lease coverage & Replacement Cost Coverage for the vehicle in event of total loss. Owned by Unitrin, A rated carrier. Kemper Package Plus gives your client approximately 14% discount on Auto and 12% discount on Home. CEC – Credit for Existing Coverage endorsement allows the insured to have a future effective date on Home or Auto and still get the package discount. Now offering Stand Alone Dwelling Fire Networked Insurance Agents Kemper Auto & Home

19. Currently writing HO3, HO4, HO6, Auto, COC, Dwelling Fire, Watercraft & Excess Subject to: CLUE, MVR’s, IRAS and Brush mapping. Discounts: 14% Superior Driver, 12% Degreed Professional and Account Credits of Auto,15% Home 25%. New Home to Customer 10%. COC policy available. No owner builders. Networked Insurance Agents Travelers Property & Casualty

20. Networked Insurance Agents First American Specialty • Specializing in Monoline Property, Homeowners and Condo Owners, Stand Alone Dwelling Fires. • Will consider up to two losses of different nature excluding fire and liability. Water losses under $5,000 ok. (receipts may be required) • Homeowner Plus Endorsement is included in all policies • - Extended Replacement Cost up to 150% • - Ordinance or Law • - Personal Injury • - Inflation Guard

21. Networked Insurance Agents Balboa • Specializing in monoline property HO3, HO4, HO6 and including monoline Dwelling Fire, Secondary/Seasonal homes and Vacation rentals. • 5 tiers available • Will write secondary home without the primary • Dwelling limits as low as $80,000 • Will consider up to three losses (must be of different cause). • All Dwelling Fires must be submitted with 2 colored photos (front and back of the risk)

22. Networked Insurance Agents Fireman’s Fund • Specializing in HV Property $500,000+, Auto, Dwelling Fire, Watercraft & Excess • No Maximum Coverage A • 200% Extended Replacement Cost • Is interested in stand alone “high end autos” • Send in Fireman’s Fund Location Approval Worksheet

23. Specializing in HV Property $500,000+. With primary home will also consider Auto, Dwelling Fire, Watercraft & Excess Subject to: Earthquake and Brush mapping. Expert home appraisals and loss control evaluation upon issuing of the Homeowners policies. Deductible waived in the event of a loss exceeding $50,000 Customers enjoy superior claims service with maximum control over how, when, where and by whom property is replaced or repaired. 200% Extended Replacement Cost All risk on contents when written in the Deluxe program 24 hour minimum turn around on quotes Networked Insurance Agents Chubb

24. High Value and Hard to Place Personal Lines • HO-3 • Brush and unprotected properties • Primary, secondary, seasonal and rentals • Earthquake available • HO-4/6 • Builders Risk • Vacant Dwellings • Personal Articles Floaters

25. Preferred (Select) and Non-Standard (Protection) Auto 15/30 limits available in Protection only Discounts: Multi-car permitted between Protection and Select programs Payment Plan Discounts up to 13% available in the Protection Program for Full Pay or 50% down Non-Owner Policy available in the Protection program- will write more than 1 driver. Moving violations charged on violation date. Agent must provide MVR for the Select Program only Protection Plan – photos required if no prior insurance or lapse and comp and collision are requested. SR-22 are available in the Protection Program Networked Insurance Agents Commerce West

26. Networked Insurance Agents Personal Lines Submission Procedures

27. Networked Insurance Agents Pre Qualify your Risks: Networked wants to save you time!!! Before you take the time to complete all the forms necessary to get coverage bound pre qualify your risk to see if it will qualify for the coverage you are requesting. Send an email to Michelle Daily at Michelle.daily@networkedins.com You will get a response within 6 hours **Remember the technician can only tell you what is on the report, she does not have underwriting authority

28. Networked Insurance Agents How do I bind a Personal Lines Account? VERY IMPORTANT: Our carriers do not allow us to extend binding authority to our affiliates. In order to expedite binding of your submission please follow these instructions carefully. To request binding fax or email a completed submission to Networked (please note we treat all applications as bind requests). Please do not send applications for pre-approval. Within 24 hours you will receive an acknowledgement letter

29. Networked Insurance Agents How do I bind a Personal Lines Account Continued…. Once the underwriter reviews the account you will then receive one of the following within 24 hours. • A Confirmation of Coverage if the submission is complete and the risk qualifies. **Please note coverage is not bound until you receive a confirmation of coverage from Networked. • An Additional Information Memo if the submission is incomplete. **Please note Networked will not bind coverage until all information is received and the effective date will be determined once submission is complete • A Declination Letter if the risk is unacceptable. **Please note another carrier will be offered if one is available

30. Networked Insurance Agents How to complete an Auto submission: • Completed Acord Auto Application • Copies Current Registration/Bill of Sale • Prior Dec Page – • Copy of Agent’s Quote Supplemental Forms or items: as needed • Current MVR’s for Commerce West Signed UM Form – May be carrier specific • Proof for a not-at-fault accident (i.e. Police Report or letter of experience) • Company Specific Supplemental • Signed Driver’s Exclusion

31. Networked Insurance Agents How to complete a Home submission • Completed Acord Application • Replacement Cost Estimator • Agents Copy of the quote Supplemental Forms: as needed • Older Home Questionnaire – Company Specific • Wood Stove Questionnaire – Company Specific • Photos (if applicable)

32. Networked Insurance Agents Escrow Closes Networked understands the urgency of escrow closes. We have implemented the following for your convenience: • Fax in a complete submission noting on the cover page that this is an escrow close. If you have scanning capabilities you can email the submission directly to the underwriter to help expedite the procedure. • Once faxed, contact the underwriter who will be handling the account to let them know you have sent in an escrow close and give the clients name. • The underwriter will work that account first and contact you immediately to advise if an EOI can be issued or if additional information is needed. **Please note Networked does not require signatures to bind coveragefor escrow closes**

33. Networked Insurance Agents Please mail all originals and down payment to our office within 7 days of receipt of the confirmation of coverage. (Note: Commerce West is 3 days ! ) Please note since Networked holds the carrier appointment our affiliates are unable to contact the carriers directly. For any questions about a risk please contact Networked’s Personal Lines Underwriting Department.

34. THANK YOU FOR YOUR BUSINESS !!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!